Happy Valley Credit Union

Happy Valley Credit Union is headquartered in ELIZABETHTON and is the 64^th largest credit union in the state of Tennessee. It is also the 2,817^st largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 12 employees and 4,686 members. Happy Valley Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Happy Valley Credit Union Checking Account Rates

Happy Valley Credit Union Savings Account Rates

Happy Valley Credit Union CD Rates

Happy Valley Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HAPPY VALLEY NCUA # 68097 BankRate Report View Year Chartered 1933 Employees 12 Primary Regulator Assets and Liabilities Assets $32.28 million Loans $19.54 million Deposits $26.79 million Equity Capital $5.21 million Loan Loss Allowance $125,000 Unbacked Noncurrent Loans $1.14 million Historic Data - December 2010 Assets $30.18 million Equity Capital $5.00 million Loan Loss Allowance $126,000 Unbacked Noncurrent Loans $1.17 million Profit Margin - Quarterly Net Interest Margin 6.58% Return on Assets 0.63% Return on Equity 3.92% Interest Income $1.64 million Non-Interest Income $366,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Happy Valley Credit Union had $1.14 million in non-current loans and owned real-estate with $5.33 million in equity and loan loss allowances on hand to cover it. This gives Happy Valley Credit Union a Texas Ratio of 21.33% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Happy Valley Credit Union held steady from 22.83% as of December 31, 2010 to 21.33% as of December 31, 2011, resulting in a positive change of 6.53%.This indicates that the balance sheet and financial strength for Happy Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Happy Valley Credit Union has increased its total deposits by $1.89 million, resulting in 7.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Happy Valley Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Happy Valley Credit Union has $32.28 million in assets with $5.33 million in equity, resulting in a capitalization level of 16.53%, which is excellent.

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